WO2005048054A3 - Configurable stored value platform - Google Patents

Configurable stored value platform Download PDF

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Publication number
WO2005048054A3
WO2005048054A3 PCT/US2004/036927 US2004036927W WO2005048054A3 WO 2005048054 A3 WO2005048054 A3 WO 2005048054A3 US 2004036927 W US2004036927 W US 2004036927W WO 2005048054 A3 WO2005048054 A3 WO 2005048054A3
Authority
WO
WIPO (PCT)
Prior art keywords
platform
devices
loyalty
messages
systems
Prior art date
Application number
PCT/US2004/036927
Other languages
French (fr)
Other versions
WO2005048054A2 (en
Inventor
James Thomas Ray
Randall M Chesler
Ozzy Espaillat
Taranjit Lamba
Original Assignee
Size Technologies
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Size Technologies filed Critical Size Technologies
Publication of WO2005048054A2 publication Critical patent/WO2005048054A2/en
Publication of WO2005048054A3 publication Critical patent/WO2005048054A3/en

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346Cards serving only as information carrier of service
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Abstract

The platform supports a wide variety of merchants who are interested in a loyalty and/or value card products. The platform is an integrated set of software packages and tools that allows merchants to develop and offer loyalty award and payment products. The platform consists of a series of sub-systems that form the operating environment for the loyalty and payment products, collectively called common systems herein. These systems work together to customize and orchestrate product functionality. The platform processes real-time messages from devices, such as point-of-sale and CRIND/ICR/ICR (gas pump) devices, that are modified to work with the platform. The platform responds to the messages from the devices with a range of actions from approval of the pending purchase to addition of loyalty points into an account. In the case of the system-based service, messages are formatted according to defined standards so that they can be received by the platform. Other devices currently supported by the platform include Kiosk, IVR, API, and Web. New modules may be added to the platform that allow it to accept translations in any data format.
PCT/US2004/036927 2003-11-06 2004-11-04 Configurable stored value platform WO2005048054A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/705,160 2003-11-06
US10/705,160 US20040181453A1 (en) 2002-11-06 2003-11-06 Configurable stored value platform

Publications (2)

Publication Number Publication Date
WO2005048054A2 WO2005048054A2 (en) 2005-05-26
WO2005048054A3 true WO2005048054A3 (en) 2006-07-27

Family

ID=34590755

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/036927 WO2005048054A2 (en) 2003-11-06 2004-11-04 Configurable stored value platform

Country Status (2)

Country Link
US (1) US20040181453A1 (en)
WO (1) WO2005048054A2 (en)

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Also Published As

Publication number Publication date
US20040181453A1 (en) 2004-09-16
WO2005048054A2 (en) 2005-05-26

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